Morgan County, WV: flood risk, in FEMA's own numbers
On FEMA's National Risk Index, Morgan County scores at the 55.9th percentile for flood hazard, rated "Relatively Low" — below the national norm for flood hazard. The hazard here is driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.6 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Morgan County's flood-insurance compliance gap
18.3% of the homes FEMA requires to carry flood insurance in Morgan County — those inside the mapped Special Flood Hazard Area — actually have a policy in force: 80 policies against 437 mandated structures, which means a meaningful share of legally-required coverage simply isn't there. Looking beyond the mandated zone, 1% of all residential structures in Morgan County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Morgan County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Morgan County ranks 1451 — 1 being the highest hazard nationally — and 1945 by population among all 3144 counties covered here, where 1 is the largest. Morgan County, West Virginia is home to about 17,780 people across 229.096 square miles of land.
Checking a specific address in Morgan County
Across all of Morgan County's 10,029 residential structures, 100 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
Where Morgan County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.